copay, deductible & coinsurance

Copay

Coinsurance

Deductible

A copay (or copayment) is a flat fee that you pay on the spot each time you go to your doctor or fill a prescription. For example, if you hurt your back and go see your doctor, or you need a refill of your child's asthma medicine, the amount you pay for that visit or medicine is your copay. Your copay amount is printed right on your health plan ID card. Copays cover your portion of the cost of a doctor's visit or medic

Deductible

Coinsurance

Deductible

A deductible is the amount you pay each year for most eligible medical services or medications before your health plan begins to share in the cost of covered services. For example, if you have a $2,000 yearly deductible, you'll need to pay the first $2,000 of your total eligible medical costs before your plan helps to pay.

Coinsurance

Coinsurance is a portion of the medical cost you pay after your deductible has been met. Coinsurance is a way of saying that you and your insurance carrier each pay a share of eligible costs that add up to 100 percent.

Frequently Asked Questions

Please reach us at ptoffice@advancedptms.com if you cannot find an answer to your questions

What do I need to bring on my firsts visit?

A prescription (if needed) for physical therapy from your referring physician, ARNP, or PA.
Insurance information (we will make a copy of your card).
Print out the patient forms, fill them out, and bring them with you.
In case of an automobile accident or worker’s compensation claim, also bring any case manager or insurance adjuster contact names, phone numbers, and claim number.
Please arrive 15 minutes early to complete any remaining paperwork, so you can maximize your time in your evaluation.
Please wear comfortable clothing that allows easy access to your problem areas.

What do I wear?

Dress comfortably with clothes that allow easy access for the therapist to examine your problem areas. For treatments, loose fitting clothes that are comfortable for gentle exercises and supportive sneakers are often good choices to wear.

How long will each therapy session last?

Typically, each session is 45-60 minutes long. The amount of time will be based on your specific needs, and your therapist will discuss this with you.

Can I go see any Physical Therapist that I choose?

As a patient you have the right to receive physical therapy at any place you choose. At Advanced Physical Therapy, you will receive the highest quality care while achieving the results you need. We pride ourselves on providing a positive, encouraging environment with well-trained, friendly staff. We are confident in our ability to help you reach your goals and live a pain-free life.

Does insurance cover my therapy visits?

Yes, in most cases it does. Your insurance coverage is a contract between you and your insurance company. Our office will be happy to assist in contacting your insurance company and determining your coverage based on your individual policy. We do offer different payment options for your convenience.